State · sponsors with a Rhode Island filing address
Retirement plans in Rhode Island
Form 5500 filings for plan years 2009 to 2025; medians for plan year 2024.
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances. A plan is counted in the state of its sponsor's address, not where its participants live.
268 retirement plans based in Rhode Island with 100 or more participants filed Form 5500 for plan year 2024 (247 defined contribution, 21 defined benefit). All Form 5500 pension filers in the group reported 1,103,246 participant records and $100.3B in net assets.
The median defined contribution plan held $52,581 per participant, close to the national median of $53,031, and its employer put in $1,912 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $112 per participant against $123 nationally.
Employers contributed $1.48B and participants $2.39B during the year, and the plans paid out $7.85B in benefits.
In 2009 the same group numbered 388 plans with $59.1B; by 2024 it was 268 plans (down 31%) and $100.3B (up 70%). From plan year 2023 the 100-participant line counts participants with account balances, which moved many plans to the short form.
Beyond the full-form filers, 3,283 small plans based in Rhode Island filed the short Form 5500-SF for 2024, with 74,955 participants and $5.44B in net assets. Small plans are counted here and nowhere else on this site.
Medians compared with all US plans
| Median plan, plan year 2024 | RI: DC | US: DC | RI: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $52,581 | $53,031 | $108,755 | $86,234 |
| Employer contributions per active participant | $1,912 | $2,174 | $13,643 | $10,244 |
| Schedule C compensation per participant | $112 | $123 | $274 | $344 |
| Schedule C compensation, share of net assets | 0.22% | 0.26% | 0.34% | 0.42% |
| Administrative expenses per participant | $91.73 | $116 | $477 | $527 |
Medians across plans with 100 or more participants (237 DC and 21 DB plans with a Schedule H here). Fee medians cover plans reporting an amount. DC: defined contribution, such as 401(k) and 403(b). DB: defined benefit pension.
Distribution of DC plans
| Measure | 25th percentile | Median | 75th percentile | Plans |
|---|---|---|---|---|
| Net assets per participant | $27,691 | $52,581 | $114,856 | 237 |
| Employer contributions per active participant | $1,043 | $1,912 | $3,503 | 221 |
| Schedule C compensation per participant | $46.69 | $112 | $193 | 218 |
| Administrative expenses per participant | $34.19 | $91.73 | $191 | 228 |
Trend by plan year
| Plan year | Plans 100+ | Participants | Net assets | Employer contributions | Participant contributions | Median DC assets / participant | Median DC Sch. C / participant |
|---|---|---|---|---|---|---|---|
| 2025partial | 41 | 129,467 | $18.2B | $255M | $311M | $93,835 | $199 |
| 2024 | 268 | 1,103,246 | $100.3B | $1.48B | $2.39B | $52,581 | $112 |
| 2023 | 271 | 1,028,945 | $94.2B | $1.44B | $2.30B | $48,930 | $107 |
| 2022 | 299 | 1,072,516 | $85.2B | $1.34B | $2.18B | $39,672 | $94.16 |
| 2021 | 307 | 1,069,813 | $103.8B | $1.31B | $2.05B | $49,009 | $104 |
| 2020 | 309 | 1,104,316 | $94.6B | $1.26B | $1.86B | $43,668 | $85.28 |
| 2019 | 315 | 934,111 | $72.7B | $1.04B | $1.46B | $36,731 | $75.96 |
| 2018 | 317 | 909,879 | $63.1B | $992M | $1.35B | $32,296 | $81.41 |
| 2017 | 321 | 950,942 | $68.2B | $1.10B | $1.29B | $36,060 | $71.74 |
| 2016 | 328 | 673,334 | $42.1B | $1.30B | $1.23B | $30,909 | $47.02 |
| 2015 | 325 | 687,473 | $39.5B | $1.07B | $1.15B | $28,442 | $43.38 |
| 2014 | 331 | 665,422 | $38.3B | $974M | $1.03B | $30,331 | $37.49 |
| 2013 | 339 | 668,287 | $37.4B | $889M | $995M | $29,338 | $37.88 |
| 2012 | 348 | 662,311 | $32.3B | $1.23B | $944M | $25,645 | $36.51 |
| 2011 | 368 | 1,532,606 | $63.9B | $2.57B | $2.10B | $22,786 | $34.66 |
| 2010 | 373 | 1,582,383 | $65.5B | $2.26B | $2.05B | $22,640 | $26.85 |
| 2009 | 388 | 1,624,194 | $59.1B | $1.56B | $1.92B | $19,974 | $25.07 |
Plan year is the year in which the plan year began. The drop in large plans from 2023 follows a rule change: the 100-participant line now counts participants with account balances, so many plans moved to the short form.
Provider share
Service provider organisations named most often on the Schedule C of the 265 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 60 largest by participants of 265 plans with a page on this site.
| Plan | Sponsor | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|
| CVS Health Future Fund 401(k) Plan | CVS Health Corporation | DC | 385,927 | $30.1B | $77,896 | $1,778 | $114 |
| The Bank of America Pension Plan | Bank of America Corporation | DB | 168,197 | $17.6B | $104,622 | — | $289 |
| Textron Master Retirement Plan | Textron Inc. | DB | 48,782 | $5.90B | $120,976 | — | $78.84 |
| Unfi 401(k) Plan | United Natural Foods, Inc. | DC | 47,810 | $2.76B | $57,809 | $1,211 | — |
| National Plus Plan | Board of Trustees of the National Plus Plan | DC | 39,256 | $222M | $5,650 | $234 | $17.91 |
| Textron Savings Plan | Textron Inc. | DC | 35,189 | $6.82B | $193,876 | $6,649 | $47.94 |
| CFG Retirement Savings Plan | Citizens Financial Group, Inc. | DC | 25,795 | $3.25B | $125,984 | $4,818 | $106 |
| Brown Health 401(k) Retirement Savings Plan | Lifespan Corporation, DBA Brown University Health | DC | 23,702 | $1.25B | $52,581 | $2,965 | $36.14 |
| Brown Health Defined Benefit Retirement Plan | Lifespan Corporation d/b/a Brown University Health | DB | 13,259 | $537M | $40,512 | $4,773 | $167 |
| Brown University Defined Contribution Deferred Vesting Retirement Plan | Brown University | DC | 12,356 | $974M | $78,868 | $4,983 | $49.85 |
| Brown Health 403(b) Retirement Plan | Lifespan Corporation, DBA Brown University Health | DC | 11,358 | $1.27B | $111,671 | — | $63.15 |
| Bell Helicopter Textron Master Retirement Plan | Textron Inc. | DB | 11,295 | $2.51B | $222,478 | — | $103 |
| Textron Inc. Retirement Account Plan | Textron, Inc. | DC | 11,068 | $388M | $35,054 | $1,175 | $15.64 |
| CFG Pension Plan | Citizens Financial Group, Inc. | DB | 11,051 | $1.16B | $104,977 | — | $249 |
| Care New England 403(b) Match & Savings Plan | Care New England | DC | 11,039 | $570M | $51,674 | $2,693 | $45.37 |
| Rhode Island Laborers Annuity Fund | Ri Laborers Annuity Fund Board of Trustees | DC | 9,546 | $253M | $26,532 | $2,706 | $66.19 |
| Factory Mutual Insurance Company Pension Plan | Factory Mutual Insurance Company | DB | 8,907 | $2.98B | $335,075 | — | $1,157 |
| Igt 401(k) Retirement Savings Plan | Igt Global Solutions Corporation | DC | 8,858 | $1.37B | $155,152 | $2,355 | $55.38 |
| Bally's 401(k) Plan | Bally's Management Group, LLC | DC | 8,822 | $175M | $19,884 | $865 | $21.43 |
| The Bank of America Transferred Savings Account Plan | Bank of America Corporation | DC | 8,515 | $1.12B | $131,612 | — | — |
| Factory Mutual Insurance Company 401(k) Savings Plan | Factory Mutual Insurance Company | DC | 5,707 | $1.92B | $335,770 | $7,309 | $67.40 |
| Amica Pension Fund | Amica Mutual Insurance Company | DB | 5,706 | $1.66B | $291,561 | — | $320 |
| Amica 401(k) Retirement Savings Plan | Amica Mutual Insurance Company | DC | 5,470 | $989M | $180,754 | $5,582 | $44.98 |
| Minuteclinic 401(k) Plan | Minuteclinic, LLC | DC | 5,390 | $350M | $64,936 | $3,013 | $31.30 |
| Gilbane 401(k) & Retirement Plan | Gilbane Inc. | DC | 5,162 | $1.00B | $193,852 | $8,775 | $95.03 |
| AAA Northeast Retirement Plan | AAA Northeast | DC | 4,695 | $358M | $76,288 | $3,074 | $27.19 |
| Ocean State Jobbers, Inc. & Affiliates 401(k) Plan | A&m Special Purchasing, Inc. | DC | 4,414 | $40.1M | $9,084 | — | $3.63 |
| Hasbro, Inc. Retirement Savings Plan | Hasbro, Inc. | DC | 4,002 | $985M | $246,131 | $11,666 | $51.45 |
| Brown University Defined Contribution Legacy Retirement Plan | Brown University | DC | 3,967 | $1.49B | $375,013 | $6,945 | $48.96 |
| My Nest Egg 401(k) Plan | Magna Hospitality Group, L.C. | DC | 3,938 | $23.4M | $5,941 | $254 | $61.16 |
| Rhode Island Laborers Pension Plan | Ri Laborers Pension Plan Board of Trustees | DB | 3,537 | $377M | $106,705 | $10,439 | $374 |
| Care New England Pension Plan | Care New England | DB | 3,375 | $136M | $40,149 | $4,383 | $289 |
| Roger Williams University Retirement Plan | Roger Williams University | DC | 3,064 | $360M | $117,430 | $2,359 | $65.36 |
| Swarovski Employee Retirement Savings Plan | Swarovski U.S. Holdings Ltd. | DC | 2,464 | $80.7M | $32,738 | $855 | $11.20 |
| St. Joseph Health Services of Rhode Island Retirement Plan | Stephen del Sesto, Receiver | DB | 2,462 | $34.7M | $14,080 | — | $159 |
| Rhode Island School of Design Retirement Plan | Rhode Island School of Design | DC | 2,415 | $277M | $114,856 | $3,780 | $20.79 |
| Tasca Employees 401(k) Profit Sharing Plan | Tasca Automotive Group, Inc. | DC | 2,352 | $68.3M | $29,055 | $337 | $103 |
| Toray 401(k) Savings Plan | Toray Plastics America, Inc. | DC | 2,258 | $397M | $175,790 | $2,995 | $195 |
| Esler Companies 401(k) Plan | Esler Companies, LLC | DC | 2,234 | $85.0M | $38,068 | $2,867 | $169 |
| The Contractors Retirement Plan | Tradesource, Inc. | DC | 2,228 | $10.6M | $4,760 | $279 | — |
| The South County Hospital 403(b) Retirement Plan | South County Hospital | DC | 2,110 | $109M | $51,440 | $1,488 | $89.31 |
| Brown Physicians, Inc. 403(b) Plan | Brown Physicians, Inc. | DC | 2,050 | $280M | $136,679 | — | $2.13 |
| Teknor Savings Plus Plan | Teknor Apex Company | DC | 2,003 | $300M | $149,750 | $4,478 | $243 |
| Dave's Fresh Marketplace Management, Inc. 401(k) Plan | Dave's Fresh Marketplace Management, Inc. | DC | 1,957 | $42.7M | $21,804 | $511 | $46.23 |
| Johnson & Wales University 401(k) Retirement Savings Plan | Johnson & Wales University | DC | 1,934 | $368M | $190,249 | $7,415 | $139 |
| Providence College 403(b) Plan | Providence College | DC | 1,922 | $393M | $204,728 | $7,613 | $96.86 |
| Brown Physicians, Inc. 401(a) Plan | Brown Physicians, Inc. | DC | 1,911 | $326M | $170,773 | $13,319 | $4.51 |
| Blount Fine Foods Corp. 401(k) and Profit Sharing Plan | Blount Fine Foods | DC | 1,901 | $71.0M | $37,340 | $1,441 | $126 |
| Bryant University 403(b) Retirement Plan | Bryant University | DC | 1,842 | $344M | $186,552 | $5,556 | $33.06 |
| Lenox Hospitality Services, Inc. 401(k) Plan | Lenox Hospitality Services, Inc. | DC | 1,818 | $25.5M | $14,012 | $179 | $24.66 |
| I.U.O.E. Local 57 Pension Plan | Trustees of I.U.O.E. Local 57 | DB | 1,801 | $296M | $164,077 | $19,042 | $267 |
| NWN Carousel 401(k) Plan | Carousel Industries of North America | DC | 1,698 | $194M | $114,419 | $2,164 | $81.57 |
| The Teknor Apex Company Retirement Plan | Teknor Apex Company | DB | 1,689 | $242M | $143,345 | — | $828 |
| UA of Plumbers & Pipefitters Local 51 Pension Plan | Board of Trustees, UA of Plumbers & Pipefitters Loc 51 | DB | 1,581 | $127M | $80,560 | $18,475 | $622 |
| Blue Cross & Blue Shield of Rhode Island Employee Savings Plan | Blue Cross & Blue Shield of Rhode Island | DC | 1,522 | $270M | $177,464 | $6,021 | $267 |
| The Memorial Hospital Defined Benefit Pension Plan and Trust | Care New England | DB | 1,512 | $84.1M | $55,607 | $33,117 | $259 |
| Stepstone Hospitality Inc. 401(k) Profit Sharing Plan and Trust | Stepstone Hospitality Inc. | DC | 1,476 | $5.9M | $3,967 | $455 | $84.02 |
| Newport Harbor Corporation Employee Stock Ownership Plan | Newport Harbor Corporation | DC | 1,474 | $66.1M | $44,838 | $4,062 | — |
| 403(b) Thrift Plan for Employees of Community Care Alliance | Community Care Alliance | DC | 1,415 | $22.4M | $15,850 | $166 | $1.63 |
| The Providence Community Health Centers, Inc. | The Providence Community Health Cen | DC | 1,374 | $99.8M | $72,634 | $3,774 | $298 |
By plan size
By industry
By plan year
Questions and answers
How many retirement plans are there in Rhode Island?
268 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 421 pension plans on the full form. Smaller plans file Form 5500-SF and are counted separately where shown.
What is the typical 401(k) balance in Rhode Island?
The median defined contribution plan reported $52,581 in net assets per participant (middle half of plans: $27,691 to $114,856); nationally it was $53,031. This is a plan-level average that includes former employees, not a typical person's balance.
What do employers contribute in Rhode Island?
The median defined contribution plan received $1,912 in employer contributions per active participant, against $2,174 nationally. Plans with no employer contribution are included at zero.
What are average 401(k) fees in Rhode Island?
Among defined contribution plans that report any Schedule C compensation, the median was $112 per participant and 0.22% of net assets (nationally $123 and 0.26%). Schedule C leaves out fund expense ratios and fees the employer pays, so it understates total cost.
Where does this come from?
Form 5500 annual reports in the EBSA research files, with filings received through 24 Aug 2026. Medians are computed by this site across plans with 100 or more participants.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 and Form 5500-SF research files, public domain, with filings received through 24 Aug 2026. Totals count every pension plan on the full form; medians and the plan list cover plans with 100 or more participants. See the methodology.